Is California A No Fault Auto Insurance State?

Most U.S. states do not follow a no fault auto insurance law. This system requires all motorists to carry Personal Injury Protection that will cover them, no matter who was at fault for the accident. The idea behind no fault insurance is that lawmakers believe it will speed up the process of getting claims covered and reduce costs associated with litigation. What is the California Auto Insurance Law? California requires drivers to carry policies with sufficient coverage for accidents they cause. In order to operate a motor vehicle, drivers must demonstrate that they have the means to pay for damages they may cause. Residents…

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Is Illinois A No Fault Auto Insurance State?

Illinois is a no-fault divorce state, but it is not one of the few states that has no fault auto insurance. In a no-fault system, your auto insurance policy automatically covers your injuries and damages, no matter whose fault the accident was. The idea is that no time will be wasted litigating and enable a quicker claims process. The idea is that people will be encouraged to purchase good insurance because it covers themselves. Why Isn’t Illinois A No-Fault Auto Insurance State? Trial lawyers have fought no-fault legislation since the 1970s because it cuts into their business of prosecuting at-fault drivers on behalf of the victims….

Auto Insurance Review: Who Is Wawanesa?

Every year, J.D. Power & Associates conducts an extensive survey to find out which companies U.S. consumers prefer and which companies yield the highest satisfaction. If you don’t live in Oregon or California, you’ve probably never heard of Wawanesa. Yet, residents of these states say that it truly is the best auto insurance money can buy. Wawanesa History Wawanesa has been providing insurance since 1896 as a farmer’s insurance company in Manitoba, Canada. They arrived to the U.S. market in 1975 to provide auto insurance at a 25 to 35 percent lower rate than average.   Wawanesa Policies Good drivers — who do not…

Is The Cost of Auto Insurance Advertising Driving Up Your Premium?

What is it costing your auto insurance provider to advertise each year? SNL Financial set to find out. Geico Corp is the King of auto insurance advertising, data shows, with annual spending of close to $1 billion! This number is up 10 percent from spending in 2010, which shows that insurers are becoming increasingly more competitive for your dollars. What Are Other Auto Insurers Spending? State Farm Mutual Automobile Insurance Co. — the largest home and auto insurer in the U.S. — took second place in the advertising war. Geico spent 22 percent more than State Farm last year, but State Farm increased…

Same-Sex Couples Find Freedom With New Auto Insurance Rates

Esurance, the online affiliate of Allstate auto insurance, will be giving same-sex partners in civil unions or domestic partnerships in 21 states the same discount that is typically extended to legally married couples. This is good news for more than  646,464 households that can now receive an additional 10 percent or more off their auto insurance premiums compared to unmarried policy holders. What Changed? Previously, same-sex couples living in California, Illinois, Oregon and Washington were given discounts. The program is  now expanding to include motorists in: Alabama, Arizona, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maryland, Mississippi, New Jersey, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah,…

New Auto Insurance Study Reveals Buyer Preferences

The Insurance Buyer Insight Study found that price is the #1 concern for buyers of auto insurance, with 65.8 percent of the 878 people polled saying that price was the main factor driving their decision-making. The Consumer Price Index found that auto insurance costs have increased 33.3 percent from 2002 to 2011. How Much Have Auto Insurance Costs Gone Up? Last year alone, insurance costs rose 3.6 percent, driving consumers to hit the internet in search of better deals. This rate was faster than medical costs (3 percent) and housing (1.3 percent), and almost on par with escalating food prices (up 3.7 percent). Worse yet, the…

How To Switch Auto Insurance

Shopping online is an easy way to find better auto insurance rates. They say “making the switch” is quick and easy… but is it, really? Simply walking away from an old provider could turn into a mess if you don’t follow all the proper steps to say “Hasta Lavista, Baby.” 1) Have A New Policy In Place. Ideally, you should begin shopping around for a new auto insurance policy about a month before your current policy is set to expire. Before notifying your insurance provider you’ve moved onto someone new, you’ll want to be absolutely sure your premium has been paid and your application…